In 2026, the FHA loan limits for Westfield, in the county of Union within NJ, are: $1,089,300 for a single-family residence, $1,394,775 for two-unit homes, $1,685,850 for three-unit properties, and $2,095,200 for structures with four units.
The highest permissible loan amount for conventional loans on a single-family home is $1,089,300. For two-unit houses, it's $1,394,775; for three-unit buildings, $1,685,850; and for four-unit establishments, it's $2,095,200.
Utilize our FHA calculator to discover today's optimal FHA rates and evaluate crucial factors such as the required down payment, income prerequisites, credit standing, reserve conditions, and necessary documents for qualification.
The Lendersa® calculator allows you to match up FHA rate & terms with those of all other available loan schemes. Analyze and compare different options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® acquires extensive loan program data from many thousands of lenders, offering rapid comparisons that are perfectly aligned to your distinctive financial needs and profile.
Use the Loan Limits Comparison Table for 2026 in Westfield, county of Union, NJ, to measure FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For detailed comparisons of qualification needs like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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